Charity First is proud to serve the religious sector with a package policy tailored exclusively for denominational/non-denominational churches, synagogues, temples and more. With our sole focus on creating and managing insurance programs for religious organizations, we are uniquely positioned to understand and meet the needs of your religious institutions.

  •    PACKAGE
  •    Directors & Officers
  •    CYBER
  •    Workers Compensation
  •    Religious Applications
  • Property
  • General Liability
  • Inland Marine
  • Automobile
  • Umbrella
  • Appetite
  • Applications/Supplementals
  • Submissions
  • International Coverage
  • Accident Coverage

Property Coverage

  • Buildings and Personal Property
  • Replacement Cost, Agreed Amount and Blanket Limits Business Income and Extra expense
  • Exclusive Charity First Property Enhancement XP Endorsement        
    • Building Limit -  Ordinance or Law Coverage A
    • $1M Ordinance or Law Coverage B & C  
    • $300,000 Accts. Receivables & Val Records
    • $300,000 Bus. Income & Extra Exp.
    • $100,000 Fine Arts
    • $100,000 EDP
    • $100,000 Sewer or Drain Back-Up
    • $50,000 Money & Securities
    • $50,000 Employee Dishonesty
    • And more!
  • Building Ordinance
  • Systems Breakdown and Boiler Coverage

General Liability Coverage 

  • Liability Limits up to $1 Million Occ/$3 Million Agg
  • Sexual Abuse/Molestation – separate limits up to $1 Million Occ/$2 Million Agg (Up to $5 mill available in Umbrella)
  • Social Services Professional Liability – separate limits up to $1 Million Occ/$3 Million Agg
  • Veterinarians Professional Liability
  • Employee Benefits Liability
  • Special Events
  • Exclusive Charity First Broadening Endorsements        
    • Automatic Coverage for most special events
    • Blanket Additional Insured
    • $1,000,000 - Damage to premises rented to you
    • Blanket Waiver of Subrogation
    • And more!

Inland Marine Coverage

  • Electronic Data Processing
  • Cameras, Videos and Sound Equipment
  • Miscellaneous Equipment
  • Commercial Fine Arts

Automobile Coverage 

  • Limits up to $1 Million
  • Liability Covering “any auto”
  • Hired and Non-Owned Auto
  • Medical Payments
  • Additional Coverage for Employees and Volunteers


Crime Coverage 

  • Employee Theft
  • Forgery or Alteration
  • Inside Premises Theft of Money and Securities
  • Outside Premises Robbery (Burglary)
  • Computer Fraud
  • Fiduciary Liability

Umbrella Coverage

  • Umbrella Limits $10M
  • Sexual Abuse up to $5M in Umbrella
  • Social Service professional available under umbrella

Package Appetite 

Submission Requirements

  • ACORD Applications
  • Supplemental Applications – as applicable to each account
  • Narrative description of operations
  • 5-Year currently valued loss runs
  • If available: the website address and/or the organization's brochures

Please Send Submissions to

International Coverage 

What is International Insurance?

Coverage designed to protect your organization and employees / volunteers while traveling or working outside of the country.

General Liability 

Provides coverage for third party bodily injury or property damage resulting from your operations. Pays for things like defense cost, expenses, and damages you are legally obligated to pay.

Product Liability

Provides coverage for third party bodily injury or property damage caused by your products. Responds to suits brought anywhere in the world for losses that occur outside the U.S.

Commercial Automobile Liability

Contingent coverage for owned, non-owned, leased, or hired automobile accidents while using, hiring or maintaining vehicles abroad. Pays for things like third party claims, damage to a rented vehicle, or medical bills for injured passengers.

Employers Responsibility with Foreign Voluntary Compensation

Offers 24/7 protection for work-related injuries for U.S. employees traveling on business outside of the United States, subject to the applicability of any state workers compensation statutory requirements. Pays for items such as medical bills and lost wages necessary to make your employee whole.

Executive Assistance Services with Repatriation

Worldwide network of emergency response professionals available to respond 24 hours, 7 days a week, 365 days a year to any urgent medical or travel needs. Services document replacement.

Accident & Health

Medical benefits for injury or illness  sustained outside of the scope of work. Pays for things like emergency room visits, doctor’s appointments, and x-rays.

Kidnap & Extortion

Provides and pays the cost of emergency response services for a kidnap or extortion event. Reimburses for the payment of ransom or other expenses.

Political & Natural Disaster Evacuation

Get out of harm’s way before it arrives. Pays for the relocation and repatriation of employees in the event of a political or natural disaster.


Broad, all-risk protection for physical operations outside the United States.

Business Income

Covers multiple sources of revenue, including royalties and rental income, and extra expense

Accident Insurance Coverage for Volunteers and Participants

People volunteer and participate at a wide variety of organizations every single day. As part of their volunteer and participant duties they may be involved in a diverse range of activities where an injury can occur. Organizations have a responsibility to care for the well-being of their volunteers and participants. Accident insurance offered by AIG’s Accident and Health business can help cover volunteers and participants against some of the inherent risks they may face.

Covered Activities

All eligible volunteers and participants registered with a Participating Organization will be covered under the accident insurance policy on file with Charity First. Coverage will apply while participating in scheduled, supervised and sponsored activities of the Participating Organization, excluding sports.


Accident Insurance Application

  • Coverage
  • Appetite
  • Application (Online Rater)
  • Submission

D&O Coverage

  • Duty to Defend - our coverage gives your organization the ability to choose its own defense counsel, an allowance not common to the industry as a whole.
  • Defense Expenses - in addition to the limit of liability
  • All past, present and future directors, officers, trustees and employees are covered – volunteers, staff members, executive board members, and committee members are named as insureds.
  • Entity coverage - for the organization itself and non-profit subsidiaries is automatically included.
  • Free 90-day discovery period
  • Broad definition of claim
  • Broad Employment Practices Liability (EPL)

D&O Appetite

  • Bible/Divinity Schools
  • Churches
  • Convents
  • Monasteries
  • Religious, Parochial Schools
  • Retreat Houses
  • Seminaries
  • Shrines
  • Synagogues
  • Temples


This product is available for an instant indication and/or quote. Click on link to be redirected to obtain.  

Directors & Officers 

Directors & Officers (online rater)

Directors & officers (application)


Submission Requirements

  • ACORD Applications
  • Supplemental Applications – as applicable to each account
  • Narrative description of operations
  • 5-Year currently valued loss runs
  • If available: the website address and/or the organization's brochures

Please Send Submissions to

  • Coverages
  • Appetite
  • Applications
  • Submission

 Cyber Coverage


Comprehensive Coverage:

Enjoy1st and 3rd party coverage that safeguards your business from various cyber risks.

Ransomware Protection:

Rest easy knowing our policy offers specialized coverage against ransomware attacks, keeping your data secure.

Business Income Coverage:

Get financial support to recover lost income in the event of a cyber-incident that disrupts your  operations.

Security Breach Expense and Liability:

We cover the expenses incurred due to a security breach and protect you from potential liability.

Social Engineering Defense:

Protect your business from the growing threat of social engineering scams designed to deceive and defraud.

Computer & Funds Transfer Fraud:

Our policy provides coverage for fraudulent computer activity and unauthorized fund transfers.

Data Restoration Assistance:

Receive professional assistance to restore and recover your critical data after a cyber-incident.

Website Media Liability:

Protect your business from legal liabilities arising from content published on your website or social media platforms.

Cyber Appetite

  • Car Dealership
  • Charities / Not for profit
  • Construction
  • Domestic Services
  • Education (colleges/universities)
  • Education (schools)
  • E-commerce
  • Financial Institutions
  • Gas Station
  • Golf Clubs
  • Government
  • Healthcare/Medical
  • Hotels / Hospitality
  • Insurance Broker/Company
  • Investment Advisor / CPA / Mortgage Broker
  • Legal Services - commercial consumer
  • Manufacturing
  • Pharmacy
  • Professional Services
  • Realtor
  • Restaurant
  • Retail
  • Sports clubs/gyms
  • Telecoms
  • Trade Associations / Unions
  • Utility
  • Veterinarian
  • Wholesale Distributor

Cyber Liability Application

Please send your submission to

  • Coverage
  • Appetite
  • Applications
  • Submission

Workers Compensation Coverage

  • Wide range of premium sizes ($2K minimum) 
  • No Broker Fees
  • Flexible billing - installment plans available
  • Superior customer service
  • Excellent claims handling

Workers Compensation Appetite

Arts & Cultural

  • Art Galleries
  • Community Arts Centers
  • Museums
  • Performing Arts Centers & Organizations

Business Development

  • Chambers of Commerce
  • Downtown Business Leagues
  • Business Networking Groups


  • Fraternal Orders
  • Community Service Clubs (Kiwanis/Lions)
  • Junior League
  • Men’s/Women’s Service Clubs
  • Social Clubs
  • Veterans & Military Organizations


  • Daycare, Head Start & Kindergarten
  • Charter Schools
  • Elementary Schools – Private
  • Schools – Adult
  • Vocational Schools

Individual, Children & Family Services

  • Adoption Agencies
  • Foster Home Placement
  • Child & Family Services
  • Counseling Programs
  • Family Counseling
  • Senior Centers
  • Social Service Organizations

Community Services & Neighborhood Assn.

  • Organizations for Developmentally Disabled
  • Associations for Retarded Citizens (ARCs)
  • Career & Vocational Counseling
  • Community Centers
  • Senior Centers

Health Related

  • Counseling & Treatment Centers (Post Detox)
  • Drug Abuse & Addiction Information
  • MRDD Rehabilitation Services
  • Clinics


Submission Requirements

  • ACORD Applications
  • Supplemental Applications
  • Narrative description of operations
  • 4-Year currently valued loss runs
  • X-Mod Worksheet
  • If available: the website address and/or the organization's brochures

Please Send Submissions to                     

  • Applications

Available in most states, our program provides comprehensive insurance packages that address the various activities, challenges, and exposures of religious institutions.

From property coverage, like fine art and religious articles to liability insurance that covers clergy and staff, Charity First protects from property damage, injuries, accidents, and loss. Our excess insurance policy protects religious organizations in the event of catastrophic loss, with limits available up to $10 million.

Offer your clients a full range of coverages; Employment Practices Liability (EPLI), Directors & Officers (D&O), Accident Death & Dismemberment, Sexual Molestation & Abuse and more.... from a true leader in this type of insurance coverage.